- Save & Spend
- Checking
- Cash Back Checking
Get 6% Cash Back
That's 6% on debit purchases, up to $12/month.
You're spending money anyway. When you make 15 or more debit card transactions† in a month, we'll pay you 6% cash back on your purchases (up to $12/month). No direct deposit required.
What You Get |
How to Earn It |
| 6% cash back on your debit purchases, up to $12/month. | Make 15 or more debit card transactions in the calendar month ("Monthly Goal"). |
| No cash back (but we try again next month). | Miss the Monthly Goal. |
| No monthly maintenance fee. | Miss or meet the Monthly Goal, either way there's no monthly maintenance fee. |
Pair your checking with our High-Yield Savings to earn 3.75% APY* on your money sitting in savings. Each month you meet your checking's Monthly Goal, you'll unlock this great rate with no tiny balance caps.
What You Get |
How to Earn It |
| 3.75% APY on your balances up to $100,000 for that month. | Meet your checking's Monthly Goal (15 or more debit card transactions that month). |
| The Standard Rate‡ for that month (and we try again next month). | Miss the Monthly Goal. |
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Calculate Your Payout
See how much money you can make with cash back and savings interest.
You're leaving $0.00 on the table every year. Let us pay you instead.
Estimated Monthly Earnings:
$0.00
Estimated Yearly Earnings:
$0.00
Features & Benefits
All of our checking accounts offer rewards plus these great benefits:
Mobile Wallet Ready
Tap and pay instantly with Apple Pay, Google Pay, or Samsung Pay. No wallet needed.
Branch-Free Banking
Manage your financial life from your phone sans stepping into a branch (unless you want to!)
Free Money Transfers
Pay friends instantly via text, or move money between your bank accounts. Fee-free!
Total Card Control
Instantly freeze your card or set up real-time transaction alerts right in our app.
Surcharge-Free ATMs
When you actually do need cash, grab it for free at nearly 37,000 CO-OP ATMs nationwide.
Plus, every month you earn cash back on your checking, you'll get 3.75% APY* on your savings! Learn more.
Cash Back Spend FAQs
- Do recurring subscription payments (like Netflix or YouTube) count as a debit card transaction?
- Do debit card purchases under $5 earn rewards?
- Is there a maintenance fee if I don't meet the requirement to earn rewards?
- What counts as a debit card transaction?
- Is there a minimum spend per transaction to earn cash back?
High-Yield Savings
Want a better rate on your savings?
Pair your Cash Back Spend with our High-Yield Savings to get 3.75% APY* on your savings when you meet the Monthly Goal on your spend account! No tiny balance caps like other banks use.
What You Get |
How to Earn It |
| 3.75% APY on up to $100,000 of your savings balances for that month. | Meet your checking account's Monthly Goal (15 or more qualifying debit card transactions that month). |
| The Standard Rate‡ on your savings balances that month (and we try again next month). | Miss the Monthly Goal. |
High-Yield Savings Rates
| Rate Type | Balance | Rate | APY* | Min. Opening Balance |
|---|---|---|---|---|
| High-Yield Tier 1 Rate | Up to $100,000 | 3.68% | 3.75% | $0 |
| High-Yield Tier 2 Rate | Over $100,000 | 0.50% | 0.50% | $0 |
| Standard Rate | 0.02% | 0.02% | $0 |
*APY = Annual Percentage Yield. Rates are variable and subject to change after account opening, without notice. Limit of one High-Yield Savings account per member (unique SSN), and per membership number (regardless of the number of joint owners or unique SSNs on the membership). Not available on business memberships. To earn the High-Yield Tier rates, you must meet your checking account's Monthly Goal:
- When Monthly Goal is met: Daily ending balances up to $100,000 earn High-Yield Tier 1 Rate. Portion of daily ending balances exceeding $100,000 earn High-Yield Tier 2 Rate, resulting in a blended APY.
- When Monthly Goal is not met: Daily ending balances earn the Standard Rate2.
- The Monthly Goal: Complete 15 or more debit card transactions1 on a High-Yield Checking or Cash Back Spend under the same membership that post and settle to your account by 6:00PM Pacific Time on the last day of the calendar month. If you have multiple checking accounts on this membership, transactions across accounts cannot be combined. Pending transactions don't count.
1Debit card transactions exclude (are not): ATM transactions, P2P transfers (like Venmo or Cash App), ACH/EFT transactions, wire transfers, currency purchases, money orders, or account-funding transactions (like Apple reloads).
